商业银行竞争力

中文字数:3294,中文页数:4  英文字数:2791页数:7

 作为“现代经济的核心”，金融体系的规模大小和效率高低成为推动或制约一国经济发展的重要因素。而作为一国金融体系的基础和主体部分，银行业竞争能力的高低则直接影响着一国以经济为中心的综合国力的竞争地位。近年来，随着金融改革的逐步推进，我国的金融体系取得了长足进步，但由于我国的金融体系脱胎于长期的计划体制，经济发展也处于市场经济的初级阶段，因此我国商业银行的发展还相对滞后，尤其是股份制商业银行的规模、结构与效益，与世界一流商业银行相比差距很大。我国商业银行与世界一流商业银行间的这种差距会随着对外资银行业务范围、机构设置和服务对象等限制的取消，逐渐转变成对我国商业银行尤其是规模较小的股份制商业银行业务上的强烈冲击。基于提升股份制商业银行竞争力、应对外资银行业务竞争的考虑，本文在对商业银行竞争力有重大影响而又被大多数学者忽略的金融生态环境因素进行分析的基础上，结合反映商业银行竞争力的内在竞争能力因素（现实竞争能力和潜在竞争能力）构建商业银行竞争力评价体系，并选取台湾、香港等银行业相对成熟、完善地区的部分股份制商业银行同我国的股份制商业银行一道进行实证研究，从而对我国股份制商业银行的竞争力现状作总体评价，并揭示相比银行业相对成熟、完善地区的外资银行我国股份制商业银行的优势和劣势，最后在对我国银行业的市场竞争程度进行分析的基础上，探索提升我国股份制商业银行竞争力的途径。

DvidT.Beers. APrimer,Standard&Poors, RatingDireet.SovereignCreditRatings.
 By way of "the kernel of modern times economy", the scale and efficiency of finance system has become a key factor for impelling or limiting the economic development of a state. But as the foundation and principal part of the finance system of a state, the competitive capacity of banking has direct influence to competitive position of the syntheses national power with centre of economy for a state. More recently, with the banking reforming in company, the finance system of our state has got quite great development. However, considering the finance system of our state was born out of long-term planned economy, and the economic development is getting off to the primary phase of market economy, the development of our commercial bank is also relative lagging, and has big gap with world topping commercial bank in scale, structure and benefit in particular. This gap will gradually become sharp pounding to our commercial banks in business in company with the limitation abolishing in customer, organization and scope, especially to the smaller joint-stock commercial bank. Based on promoting competitive power of the joint-stock commercial banks and answering competition of foreign banks, this paper analyses the ecological environment of finance factor that has great impact on the competitive power of commercial banks but neglected by majority scholar. And unites the self ability factor (actual competitive capacity and potential competitive ability) which reflects the self competitive power of commercial banks to construct appraise system. Then selects banks in relative maturity and perfect states such as Taiwan and Hong Kong to precede empirical research with our joint-stock commercial banks, and makes actually evaluation on the competitive ability of our joint-stock commercial banks, revealing the predominance and recessive of our joint-stock commercial banks as compared with banks in developed places. At last, this paper probes the avenues of promoting competitive ability of our joint-stock commercial banks on the foundation of analyzing the market competition degree of our nations banking.

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